CONSUMER CHECKING ACCOUNTS:

Regency Checking Account:

Non-interest bearing Demand Deposit Account that requires no minimum deposit to open the account and has no monthly service charge. Account features unlimited check writing with check imaging returned with monthly statement.

Regency Plus NOW Interest Checking Account:

Interest-bearing Demand Deposit Account that requires a minimum deposit of $50.00 to open the account. A daily minimum balance of $500.00 is required to avoid a monthly service fee. Account features unlimited check writing with check imaging returned with monthly statement.

Sterling NOW Interest Checking Account:

Interest-bearing Demand Deposit Account that requires a minimum deposit of $50.00 to open the account. Interest rate tiers apply. A daily minimum balance of $2,000.00 is required to avoid a monthly service fee. Account features unlimited check writing with check imaging returned with monthly statement.

Royal NOW Interest Checking Account:

Interest-bearing Demand Deposit Account for customers that are age 55 and over. This account features no minimum balance requirement and has no monthly service charge. The account also features unlimited check writing with check imaging returned with monthly statement.